Obsessed with optimizing financial systems | Tweets are for educational purposes
Joined October 2020
- Tweets 56,217
- Following 513
- Followers 24,527
- Likes 91,942
8,661 Photos and videos
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28 Dec 2022
The stock market headed into 2022
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Feb 26
Crumbl Cookie now this - Mormons are dealing legal sugar drugs
Feb 25
Mormon-born 'dirty soda' may replace coffee, alcohol as go-to drink as trend spreads across US trib.al/vgZbfdG
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Feb 17
Reading the comments it’s hilarious what those outside the US think about it
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Can’t afford to quit a high stress job means they can’t find a diff job or doesn’t want to change lifestyle
If believe you are stuck, you are
Feb 7
Spoke to a married couple in their 30’s from Miami, FL:
They have:
- $335,000: Home equity
- $250,000: 401k’s / IRAs
- $105,000: Brokerage
- $24,000: Cash
On paper they’re "rich" & yet they can’t afford to quit high-stress jobs.
…Millions of people are in this silent trap.
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Jan 27
In a British TV voice “Here we observe a human cow understanding how mortgages work for the first time”
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25 Dec 2025
Me helping my wife buy and wrap all the kids Christmas gifts
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13 Dec 2025
Jesus is not the brother of Satan
He is God
12 Dec 2025
When I'm told my beliefs are not biblical, I have to take a step back and ask myself, "Hmmm... What Bible do they read? Every belief I have is supported by the Bible."
But, it is of no use to argue with them. First of all, because contention is of the Devil. Second of all, I don't think they know what my beliefs are. Finally, I don't think they've read the Bible, but are echoing what someone else or some website has told them.
I'm thankful for the restoration of the Gospel of Jesus Christ. It was taught anciently in the House of the Lord, or as in the case of the painting below, in the portable Tabernacle. That same Gospel is taught today in temples around the world. Every teaching comes straight from the Bible, and is witnessed in other scriptures along with latter-day prophets and apostles.
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12 Dec 2025
As someone who has fired a number of people I can’t tell you how dumb it is not to have HR and/or Counsel present
Warde most likely cost Michigan Sherrone’s buyout
11 Dec 2025
Michigan was alerted that Sherrone Moore was dealing with mental health issues, yet athletic director Warde Manuel fired him alone with no HR representative and no security present, per @NicoleAuerbach.
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10 Dec 2025
Sherrone was trying to tell us he was putting in work 😉
10 Dec 2025
Michigan: "U-M head football coach Sherrone Moore has been terminated, with cause, effective immediately. Following a University investigation, credible evidence was found that Coach Moore engaged in an inappropriate relationship with a staff member."
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16 Nov 2025
The same parents that let their kids have iPads at restaurants
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16 Nov 2025
Get a 50 year loan - pay it off at 30 year terms
Get the flexibility for a small cost
Liquidity is 👑 King 👑 my friends
15 Nov 2025
Here are the comparisons of a 30 to 50 year mortgage of a $400,000 home at 6%, per YF:
30 year mortgage:
- Monthly payment: $2,398
- Total loan cost: $863,352
50-year mortgage:
- Monthly payment: $2,106
- Total loan cost: $1,263,372
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27 Oct 2025
Bill and Bob bought identical houses in the same neighborhood in June ‘22 for $500K
Bill hates debt and has paid an extra $500/mo towards the principal
Bob likes to invest and put $500/mo in $VOO
They both lose their jobs, all things equal, who is better off?
25 Oct 2025
The only good mortgage is a paid off one
Our biggest monthly expense is gone 💰
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27 Oct 2025
It is D U M B to pay off low interest debt
AND if you block me I’ll screenshot your stupidity
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27 Oct 2025
…and alot of liquidity is gone too
25 Oct 2025
The only good mortgage is a paid off one
Our biggest monthly expense is gone 💰
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27 Oct 2025
Doctors are terrible at math
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27 Oct 2025
Please do not call dumb things cool
26 Oct 2025
I see we’re doing this whole “paying off a low rate mortgage” debate again. The real answer is that it’s not your money or life. Focus on yourself. If someone made their life better by paying off their debt, that’s cool.
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27 Oct 2025
It takes zero thought to put money you’d use to pay off your mortgage in a HYSA and stay liquid
Any debt over 4% think long and hard before you pay it off
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